Skip to content
Help Center

Payment Processing with Stripe

Payment Processing with Stripe

Section titled “Payment Processing with Stripe”

Caramel uses Stripe Connect to securely process all gift card purchases and loyalty transactions. This guide will help you set up your Stripe account and connect it to Caramel.

🚀 Stripe Connect Onboarding

Section titled “🚀 Stripe Connect Onboarding”

Follow these steps to connect your Stripe account and start accepting payments:

  1. Start Onboarding Process

    Click the “Connect with Stripe” button in your Caramel dashboard to begin the secure onboarding process.

  2. Choose Account Type

    Select Standard Account for the simplest setup:

    • You own the Stripe account
    • Direct access to Stripe Dashboard
    • Manage your own disputes and refunds
    • Receive payouts directly to your bank

  3. Provide Business Information

    Enter your restaurant’s details:

    • Legal business name
    • Business type (LLC, Corporation, etc.)
    • EIN or Tax ID
    • Business address
    • Industry type (Restaurant/Food Service)

  4. Add Representative Details

    Provide information about the account representative:

    • Full legal name
    • Date of birth
    • Social Security Number (last 4 digits)
    • Home address
    • Email and phone number

  5. Configure Bank Account

    Add your bank account for receiving payouts:

    • Bank name
    • Routing number
    • Account number
    • Account type (Checking/Savings)

  6. Review and Accept Terms

    • Review Stripe’s Terms of Service
    • Accept Stripe Connect Account Agreement
    • Confirm all information is accurate

  7. Complete Verification

    Stripe may request additional documents:

    • Business license
    • Articles of incorporation
    • Bank statement
    • Photo ID

Account Types Explained

Section titled “Account Types Explained”
Section titled “Recommended for Most Restaurants”

You manage:

  • Stripe Dashboard access
  • Dispute handling
  • Refund processing
  • Payout schedule
  • Tax reporting

Benefits:

  • Full control over your account
  • Direct relationship with Stripe
  • Access to all Stripe features
  • Custom payout schedules
  • Detailed reporting

Best for: Restaurants wanting full control

Payment Features

Section titled “Payment Features”

Accepted Payments

  • All major credit cards
  • Debit cards
  • Apple Pay
  • Google Pay
  • International cards
  • Corporate cards

Security Features

  • PCI DSS Level 1 certified
  • 3D Secure authentication
  • Fraud detection
  • Encrypted transactions
  • Tokenized card storage
  • SSL/TLS encryption

Payout Options

  • Daily automatic payouts
  • Weekly/monthly schedules
  • Instant payouts available
  • Multiple bank accounts
  • Detailed reconciliation
  • Tax reporting

Global Support

  • 135+ currencies
  • 45+ countries
  • Local payment methods
  • Multi-language support
  • Currency conversion
  • International cards

Fees and Pricing

Section titled “Fees and Pricing”

Stripe Processing Fees

Transaction TypeFee
Domestic cards2.9% + $0.30
International cards3.9% + $0.30
Digital wallets2.9% + $0.30
ACH transfers0.8% (max $5)

Dashboard Access

Section titled “Dashboard Access”

Once connected, you’ll have access to:

Stripe Dashboard

Monitor all transactions, payouts, and customer data directly in Stripe

Caramel Reports

View gift card sales, redemptions, and loyalty metrics in Caramel

Common Setup Issues

Section titled “Common Setup Issues”

Document Verification Taking Too Long

Section titled “Document Verification Taking Too Long”

Common causes:

  • Unclear document photos
  • Mismatched information
  • Expired documents

Solutions:

  • Ensure documents are clear and readable
  • Verify all information matches exactly
  • Submit current, valid documents
  • Contact Stripe support if delayed >48 hours

Security Best Practices

Section titled “Security Best Practices”

Testing Your Integration

Section titled “Testing Your Integration”

  1. Enable Test Mode Toggle to test mode in your Caramel dashboard

  2. Use Test Cards

    Success: 4242 4242 4242 4242
    Decline: 4000 0000 0000 0002

  3. Process Test Transaction Create a test gift card purchase

  4. Verify in Stripe Check that the transaction appears in Stripe

  5. Switch to Live Mode When ready, toggle to live mode

Support Resources

Section titled “Support Resources”

Caramel Support

  • Integration assistance
  • Setup guidance
  • Troubleshooting help
  • Contact Support

Frequently Asked Questions

Section titled “Frequently Asked Questions”

Q: How long does onboarding take? A: Most accounts are approved within 24-48 hours. Some may require additional verification.

Q: Can I use my existing Stripe account? A: Yes! You can connect an existing Stripe account to Caramel.

Q: When do I receive payouts? A: Standard payout schedule is 2 business days. Instant payouts are available for a small fee.

Q: Are there monthly fees? A: No, Stripe only charges per-transaction fees. No monthly or setup fees.

Q: Can I accept international payments? A: Yes, Stripe accepts payments from customers worldwide in 135+ currencies.